The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$5,187
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,348
−HK$164/mo
Today · 4.125%
HK$5,512
baseline
▲ 0.50% · 4.625%
HK$5,847
+HK$335/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,024/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,770
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,925
−HK$157/mo
Today · 4.125%
HK$6,082
baseline
▲ 0.50% · 4.625%
HK$6,403
+HK$321/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,164/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,224
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,418
−HK$196/mo
Today · 4.125%
HK$6,614
baseline
▲ 0.50% · 4.625%
HK$7,017
+HK$403/mo
Deposit HK$910K · loan HK$1.36M · min. income ≈ HK$13,228/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,924
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,110
−HK$188/mo
Today · 4.125%
HK$7,298
baseline
▲ 0.50% · 4.625%
HK$7,683
+HK$385/mo
Deposit HK$910K · loan HK$1.36M · min. income ≈ HK$14,596/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,261
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,487
−HK$230/mo
Today · 4.125%
HK$7,717
baseline
▲ 0.50% · 4.625%
HK$8,186
+HK$469/mo
Deposit HK$682K · loan HK$1.59M · min. income ≈ HK$15,434/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,078
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,295
−HK$220/mo
Today · 4.125%
HK$8,515
baseline
▲ 0.50% · 4.625%
HK$8,964
+HK$449/mo
Deposit HK$682K · loan HK$1.59M · min. income ≈ HK$17,030/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,336
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,627
−HK$295/mo
Today · 4.125%
HK$9,922
baseline
▲ 0.50% · 4.625%
HK$10,525
+HK$603/mo
Deposit HK$227K · loan HK$2.05M · min. income ≈ HK$19,844/mo (50% DSR)
Upfront cash ≈ HK$228K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,386
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,665
−HK$282/mo
Today · 4.125%
HK$10,947
baseline
▲ 0.50% · 4.625%
HK$11,525
+HK$578/mo
Deposit HK$227K · loan HK$2.05M · min. income ≈ HK$21,894/mo (50% DSR)
Upfront cash ≈ HK$228K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).